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Mortgage Calculators

How much home can I afford?

Enter your finances to see an estimated price range based on a debt-to-income (DTI) cap.

Car, student loans, minimum credit card payments.
Most programs allow 36–50%.
Use a rate you’ve researched. We don’t quote rates here.
Estimate

You may be able to afford

$0
Loan amount$0
Estimated monthly PITI$0
   Principal & interest$0
   Property tax$0
   Insurance$0
DTI used43%

Should I refinance?

Compare your current loan to a new scenario. See monthly savings and break-even in months.

Current loan

New loan scenario

Assumed rolled into the new loan.
Estimate

Monthly impact

$0 /mo
Current P&I$0
New P&I$0
Break-evenN/A
Current lifetime interest$0
New lifetime interest$0
Lifetime difference$0

VA entitlement estimator

Estimate your remaining VA entitlement and the down payment a lender may require. The VA Certificate of Eligibility (COE) is the official source for your remaining entitlement — this tool is informational only.

Default is the 2026 baseline. High-cost counties are higher. Look up your county at fhfa.gov.
Check this if you’ve never used a VA loan, or your entitlement was fully restored after selling/refinancing a prior VA loan. With full entitlement, no down payment is typically required.
Enter the amount of VA entitlement currently in use on existing VA loans. This is shown on your COE. Leave at $0 if unsure.

VA disclosures: VA loans are subject to VA eligibility, occupancy, and underwriting requirements. The VA Certificate of Eligibility (COE) is the official record of your entitlement. County loan limits, funding fee rates, and entitlement rules are set by the Department of Veterans Affairs and are subject to change. Supreme Lending is not affiliated with or endorsed by the VA or any government agency.
Estimate

Estimated down payment

$0
Loan amount needed$0
Total VA entitlement$0
Remaining entitlement$0
Max $0-down loan$0
VA guaranty (25%)$0

HECM / Reverse Mortgage estimator

For homeowners age 62+. Estimates the principal limit and net funds available based on age, home value, and an assumed expected interest rate. Final eligibility is determined using HUD principal limit factor (PLF) tables at the time of application.

Must be 62 or older for HECM.
Must be paid off with HECM proceeds.

HECM disclosures: A HECM is a loan that must be repaid when the home is sold or no longer your primary residence. You remain responsible for property taxes, insurance, and maintenance. HUD-approved counseling is required. Reverse mortgages are complex products — please review carefully and consult a licensed HECM specialist.
Estimate

Estimated funds available

$0
Principal limit$0
Approx PLF0%
Existing payoff$0
Estimated upfront costs$0
Important: All calculator results are educational estimates only. They are not loan offers, pre-approvals, commitments to lend, or guarantees of eligibility, rate, or terms. Calculations do not include all costs, such as PMI/MIP, HOA dues, flood insurance, or other escrow items, and assume no changes in tax or insurance rates. Actual rates, fees, and program availability depend on individual circumstances, creditworthiness, property type, occupancy, and underwriting. To get accurate numbers, please speak with a licensed Supreme Lending loan officer. Supreme Lending is an Equal Housing Lender. NMLS #2129.

Contact us to explore all your loan and down payment assistance options
and start your path to homeownership today.

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